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Íslandsbanki
Íslandsbanki (ISB) investor relations material
Íslandsbanki Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary13 Feb, 2026
Executive summary
ROE reached 11.2% for 2025, exceeding targets, with a cost-to-income ratio of 42.4% and net profit of ISK 25.2bn; new medium-term ROE target set at >13% and 2026 guidance at ~12%.
Strong capital position with CET1 ratio at 20.1% and total capital ratio at 24.0%, well above regulatory requirements.
Government completed full divestment, broadening the shareholder base to over 35,000 and increasing stock liquidity.
Over 100% of 2024 profits distributed via dividends and buybacks in 2025; board proposes 50% payout of 2025 profit as ordinary dividend and ISK 15bn buyback for 2026.
Merger discussions with Skagi/Sjóvá progressing, with due diligence and regulatory review underway.
Financial highlights
Net interest income for 2025 was ISK 52.5bn, up 11% year-over-year; net interest margin at 3.1% for the year and 2.9% in Q4.
Net fee and commission income grew 7.4% to ISK 14.1bn, with strong performance in asset management, investment banking, cards, and payments.
Cost-to-income ratio improved to 42.4% for the year and 43.5% in Q4; operating expenses rose to ISK 31.6bn.
Loan book grew 5.5% in 2025, with 2.5% growth in Q4; 94% of loans are collateralized, LTV at 54%.
NPLs stable at 1.5%; Stage 2 loans increased to 4.6%, mainly in construction; Q4 impairments of ISK 1.1bn.
Outlook and guidance
2026 ROE expected around 12%, with cost-to-income ratio near 43%; medium-term ROE target raised to >13%.
Net interest margin expected to remain near 3% in the medium term; loan and revenue growth to align with nominal GDP.
Cost of risk guidance at 20-25 bps through the cycle; recent levels slightly above due to isolated cases.
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Next Íslandsbanki earnings date
Q1 20268 May, 2026
Íslandsbanki
Next Íslandsbanki earnings date
Q1 20268 May, 2026
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Frequently asked questions
Íslandsbanki is a prominent Icelandic bank providing a comprehensive range of financial services. The bank focuses on personal, business, and corporate banking, offering various products including digital banking services, mortgage refinancing, securities trading, and green financing. Íslandsbanki serves sectors such as retail, wholesale trade, services, and construction. The bank emphasizes sustainability, integrating responsible practices and offering green financial products. Additionally, it supports small and medium-sized enterprises through specialized services like its Business Banking Centre. The company is headquartered in Reykjavik, Iceland, and its shares are listed on the OMX Nordic Exchange.
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